The high-end personal payment of Harbin employee medical insurance is about 392 yuan per month, which is about 392*12=4070 yuan per year. The monthly payment for the 60% bracket is about 235 yuan, which is about 235*12=2820 yuan a year. As the social average wage continues to adjust, it is getting higher and higher. The unit pays 9% for you every month, and you pay 2% yourself plus 10 yuan for critical illness planning (the serious illness planning mainly covers hospitalization)

Harbin employee social security monthly payment details in 2022:

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Pension: The base payment is 3245.4 yuan, the unit payment is 519.27 yuan, the individual payment is 259.63 yuan, the total payment is 778.90 yuan.

Medical care (maternity): The payment base is 5661.58 yuan, the unit payment is 509.55 yuan, the individual payment: 113.23 yuan, the total payment: 622.78 yuan.

Work-related injury: The payment base is 3245.4 yuan, the unit pays 22.72 yuan, the individual pays: 0 yuan, the total payment: 22.72 yuan.

Unemployment: The payment base is 3246 yuan, the unit payment is 22.72 yuan, the individual payment: 9.74 yuan, the total payment: 32.46 yuan.

Personal flexible employment insurance payment details are as follows:

Flexible employment pension insurance: payment base 3245.4, monthly payment: 649.08 yuan;

Flexible employment medical insurance: The deposit base is 5661.58, and the monthly payment is 452.93 yuan.

The following is the personal payment ratio of Harbin’s five insurances and one fund in 2020

Pension insurance: The unit pays 21% for you every month, and you pay 8% yourself;

< p>Medical insurance: The unit pays 9% for you every month, and you pay 2% yourself plus 10 yuan for serious illness co-ordination (the serious illness co-ordination mainly covers hospitalization);

Unemployment insurance: Each unit pays It pays 2% for you every month, and you pay 1% yourself;

Work-related injury insurance: The company pays 0.5% for you every month, and you don’t have to pay a penny yourself;

Maternity Insurance: The employer pays 0.8% for you every month, and you don’t have to pay a penny;

Housing Provident Fund: The employer pays 8% for you every month, and you pay 8% yourself.

What is medical insurance:

Medical insurance, that is, social medical insurance, is a social welfare insurance system that compensates workers or urban and rural residents for economic losses caused by disease risks. Through employer and individual contributions and state financial subsidies, a medical insurance fund is established. After the insured person incurs medical expenses for illness and medical treatment, the medical expenses incurred by the insured person for illness and medical treatment will be reimbursed according to a certain proportion, and the insured person will be provided with economic benefits. Compensation is provided to avoid or mitigate economic risks caused by workers’ illness, treatment, etc. Social medical insurance includes basic medical insurance for urban employees and basic medical insurance for urban and rural residents.

Legal basis:

Article 2 of the "Social Insurance Law of the People's Republic of China" stipulates that the state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc. The social insurance system guarantees citizens’ rights to obtain material assistance from the state and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.